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Paypal along with any other bank can charge you above current listed exchange rates. They are charging what is called a currency conversion fee on top of the conversion rate. For instance, American Express will charge say 4% on top of the conversion when you spend foreign currency on their cards. MasterCard & Visa do the same thing. Even if you were to go to England tomorrow, when you bring your US dollars to have them converted in the airport the rate is always above the current spot market rate because they include a conversion fee. Sorry but you aren't due any money back and no interest, Paypal is doing nothing wrong.

rind the exchange rate, perhaps at a site such as:http://www.x-rates.com/so, for example, 1 euro is apparently worth 1.4765 US$ at the moment.if you have 13.82 US$ divide by 1.4765 to get 9.36 euro.if you had 32.00 euro then multiply by 1.4765 to come up with 47.25 US$

When you press the [M/EX] key, it toggles between conversion mode and memory mode. You will see "EXCH" on the display when in conversion mode.C1, C2, and C3 are three conversion rates. C1 is your home country currency, and so it is always set to 1. C2 and C3 are rates for two other countries, which you can change.For example, if you want to set a conversion rate of $1 to 0.95 euros, here is what you would do (using C1 for US dollars and C2 for euros):1. Press [AC]2. Hold [SET/%] for about two seconds until "SET" appears3. Press [C2] to select currency 24. Input the conversion rate (0.95) and then press [SET/%] to store it in memoryYou can check the currently set rate at any time by pressing [AC] and then [C2].

How do I perform a currency conversion?

If you want to convert 100 euros to US dollars, you would do the following (assuming you are using C1 for US dollars and C2 for euros):1. Press [AC]2. Enter 100 and then press [C2]3. Press [C1] to convert to dollars4. To convert back to euros again, press [C2]You can also perform a currency conversion within a calculation. How much in US dollars would five items selling at 100 euros cost?1. Press [AC]2. Enter 5 [×] 100 and then press [C2]3. Press [C1] [=]